- Data from the CHAS show an insurance landscape that’s very similar to 2019, before the COVID-19 pandemic. The percentage of Coloradans with Medicaid drops from 30.0% in 2023 to 21.0% in 2025, which is offset by increases in people with employer-sponsored insurance, Medicare, and individual insurance.
- In 2025, the uninsured rate is 5.9%. That rate hasn’t changed much since the implementation of the Affordable Care Act in 2014.
- Statistically, the exact uninsured rate in 2025 is between 4.9% and 6.8%. Because the confidence intervals for the past four surveys overlap, those rates could be more similar than different. The only true difference was from 2021 to 2023, when the public health emergency kept more Coloradans enrolled in Medicaid.
- About 345,000 Coloradans lack health insurance across Colorado, and the CHAS provides some helpful information about this group. Uninsured Coloradans are more likely to be unemployed and looking for work (16.4%). They may speak a language other than English at home (14.6%) or be Hispanic or Latino (11.2%). In addition, 12.8% earn an income at or below 138% of the Federal Poverty Level* (FPL), making them potentially eligible for Medicaid. But other factors, like language barriers or immigration status, could prevent them from enrolling.
- Looking at uninsurance geographically helps us understand how insurance varies across the state. Rural areas tend to have higher uninsured rates. But Arapahoe County reports one of the highest uninsured rates (9.6%) in the state and one of the largest drops in coverage (3.9% were uninsured in 2023).
- In 2025, Coloradans living on the Western Slope and in Boulder and Broomfield counties rely the most on individual market insurance, which includes subsidized marketplace plans through Connect for Health Colorado.
- Statewide, nearly half (49.4%) of people who purchased individual market insurance — about 195,000 Coloradans — earn incomes greater than 400% FPL. This group will lose its tax credits in 2026 and is facing especially large premium increases.
- Rural Coloradans rely the most on Medicaid. If policy changes cause Medicaid membership to fall, Pueblo, the San Luis Valley, and southeast Colorado will be hit especially hard.
- Coloradans ages 19-64 make up 56% of all Medicaid members. This group will be the most affected by federal work requirements that will begin in 2027. But many also fall into categories that would qualify for exemptions: 20.5% are unemployed and looking for work; 21.8% are parents or guardians of a child under 18; and 33.3% have a disability.
CHI’s analysis of CHAS findings, including those about insurance types and affordability, is ongoing. Keep coming back to the 2025 CHAS page for additional insights.
*In 2025, 138% of the Federal Poverty Level for a family of four in Colorado was $44,367 per year; 400% FPL was $128,600.
